Cash by tomorrow.
Terms you can actually read.
Request $100–$5,000 online in about 3 minutes. No hidden fees buried in the fine print — we show the full cost before you sign anything.
Checking your rate won’t affect your FICO® credit score.
I need $500
- Term
- 14 days
- Estimated fee
- $75.00
- You repay
- $575.00
Example only. Your actual rate and fees depend on your state and lender. APR for this 14-day example: 391%. See Rates & Fees.
How it works
Three steps. No paperwork to mail.
Tell us what you need
Amount, state, income. One short form — no documents to upload, no phone calls.
~3 minSee your real offer
Full cost up front: fee, APR, repayment date. Walk away anytime before you e-sign.
~90 secMoney hits your account
Most lenders fund by the next business day. Some same-day if you apply before noon.
next day
Why borrowers trust us
The number you see is the number you pay
No teaser rates, no “starting from” asterisks. Before you sign, you see the exact dollar fee and the date it’s due — in plain English.
- Soft credit check to show your rate — zero impact on your score
- Every offer states the APR, total repayment and due date
- We only match you with lenders licensed in your state
- No obligation — decline any offer with one click
What can we help with?
Pick the loan that fits the gap
Same-Day Loans →
Approved before noon? Some lenders can fund the same business day.
No Credit Check Loans →
Lenders that weigh income over your FICO score. Soft-pull only to qualify.
Bad Credit Loans →
A 500 score isn’t a dead end. See honest options — and the real costs.
Cash Advance →
A small advance against your next paycheck for short, urgent gaps.
Installment Loans →
Repay over several months in fixed amounts instead of one lump sum.
Emergency Loans →
Car repair, medical bill, broken boiler — money for the unexpected.
Honest about cost
What payday loans actually cost by state
Caps differ a lot. Here’s a sample — see your state’s full rules on Loans by State.
| State | Max amount | Max term | Fee per $100 | APR example* | Status |
|---|---|---|---|---|---|
| California | $300 | 31 days | $17.65 | 460% | ✅ Available |
| Texas | no cap | 180 days | varies | ≈664% | ✅ Available |
| Florida | $500 | 31 days | $10.00 | 304% | ✅ Available |
| Ohio | $1,000 | 12 months | capped | ≈138% | ✅ Available |
| New York | — | — | — | — | 🚫 Prohibited |
From the blog
Borrow smarter, not just faster
The Real Cost of a $500 Payday Loan in Every State (2026 Data)
We pulled fee caps from all 50 state regulators and calculated what the same loan costs in Sacramento vs. Houston vs. Miami. The gap is bigger than you’d guess — up to $61 on the same $500.
Do Payday Loans Show Up on Your Credit Report?
Usually no — until something goes wrong. Here’s exactly when they do.
James Torres · Jun 4 · 6 min7 Ways to Get $300 Fast Without a Payday Loan
Ranked by speed and total cost — including two that are completely free.
Before you apply
Questions people actually ask
Will checking my rate hurt my credit score?
How fast can I actually get the money?
What if I can’t repay on time?
Are you a lender?
Two minutes, no obligation
Five minutes from now,
you’ll know your rate.
No impact on your credit score · No fee to apply · Decline any offer
Check My Rate — Free